USAA Credit Card Reviews

This institution is the absolute worst. They do everything they can to charge you a fee. Been with them for years and I hate change but it may be worth it. They are supposed to report credits monthly to the bureaus, however they only report when you are over the limit. Beware!!!

USAA offered a special on credit card transfer, zero interest, but was very deceptive in explaining the full extent of how the rules for new charges changed. After the transfer, for which they charge a big fee, interest is charged on all new purchases the day the charge is incurred, not end of billing cycle. This fundamentally changed the nature of the CC agreement and it was not properly explained in the recorded message they make you listen to. So, after over 40 years of doing business with USAA FSB, I am taking my banking elsewhere. I should have realized after the bank was fined hundreds of millions $, they no longer were worthy of serving our military and veterans.

I've been a member of USAA, both insurance and credit card for 30 years. I just tried to pay off my whole balance with the bank account that is linked to my USAA account, which I've been using for years for this purpose. Generally, my payments would take a day or two to clear, but this time it's been flagged for no apparent reason, even though my spending habits are very much in line with what they have been. Though I've called in with all the credentials they require and asked them to unflag it, they won't. It will take 8 days of it sitting unprocessed for no reason while all of my autopayments get declined. The representative informed me that this is written in my contract, which makes me feel so much better about it.

This company takes the most time to post payments made. They never send email to confirm payments received. I send a check in full 10 days prior. Doubtful I use this cc again.

Great cards if you don't travel! They no longer allow users to input travel notices which results if frequent fraud blocks that are not fraud. Also unlike most modern CC company apps USAA's doesn't work if you have multiple cards, only list 1 card. Attempted to purchase a gift in a cruise port and both USAA CC got locked, used a different companies to finish transaction without issue. Checked phone once on ship and received a text to call USAA, no cell service. Went to the app and it was useless, went to the web and just as useless. Called the morning we docked in the US and the agent claimed to have resolved the issue. Two days later discovered the agent only unlocked 1 of the cards. Multiple automatic bill payments declined over the 12 day trip that 2 days later I am still trying to fix. Bottom line don't try and use USAA CC on vacation.

Customer service has been pretty good with USAA. Their employees are good people who care. While their governing policies have really gone downhill over the last 30 years; Lately I'm unhappy with their dispute policy. I was sent counterfit product and their dispute system seems to ignore a claim against receiving a counterfit item. I feel that USAA is complicit with the theft/fraud perpetrated against me.

I had a one night stay in a hotel, which billed to my USAA Bank credit card. The hotel ended up billing me 5 times, each time for one night. I contested 4 of the charges through my on-line account. One night was a valid charge. The bank wanted proof that I had paid the night. I had left the hotel before the desk opened, so didn't have a receipt. I had my credit card statement on-line which showed the charge billed and 4 that I contested. The bank then wanted me to provide them with a copy of my credit card statement, which was a copy of their own records. I called for support and was told I needed to provide the bank with a copy of their own records. I did that. The bank then denied my dispute, stating that there was not adequate information to show I had paid for the hotel charge.

USAA Credit Cards have historically provided a year-end summary for as long as I have been a cardholder. These are helpful for tracking spending by category and I use them to streamline my taxes each year. Without notice, USAA has discontinued providing these after 2025. After not receiving one, I called and asked about it. I was informed that they are no longer providing these. I asked if cardholders were informed and learned that we are only learning if this if we call and ask. While I can certainly understand that things change, the lack of communication about this is not acceptable. I will be shifting my credit card business to another company that provides a year-end summary.

Loyal customer over 35 years. I was told it was impossible to get my credit card with sufficient expiration date changed before my long international trip. No longer a dependable company. Deeply disappointed.

After 42 years of using USAA for all my Auto, Home Owners, and other insurance products including Auto Loans, I finally got taken by a credit card balance transfer offer. Read the fine print and ask questions before you deal with USAA Banking. Everyone is all nice on the phone but you will get no help with USAA. All you can do is what I did, cancel everything and be more careful whom you deal with.